Aggregate Financial Services, Inc.

Aggregate Financial Services, Inc. is a small, state-registered advisory firm founded in April 2023 that provides investment management, financial planning, retirement-account advisory (including 3(21) and 3(38) services), and estate-planning support to individual clients. The firm’s Brochure also discloses that its owners are licensed insurance agents and may offer commissionable insurance products in addition to advisory services.

AFS says it tailors advice to clients’ objectives and risk tolerances and employs a mix of approaches — including asset allocation, dollar‑cost averaging, technical analysis, and short‑ and long‑term purchase strategies — with regular portfolio monitoring and quarterly reviews. The firm uses third‑party model portfolios and tax‑management tools through Altruist’s Model Marketplace, offers both discretionary and non‑discretionary management, and maintains relationships with custodians such as Altruist and Schwab.

Noteworthy items in the Brochure include the firm’s modest scale (disclosed discretionary AUM of roughly $3.6 million and two advisors serving a small client base), the use of third‑party model portfolios and lead‑generation services (Apex Acquisition), and the explicit disclosure that principals act as insurance agents and may spend up to 30% of their time on that activity. The Brochure also indicates reliance on external model and marketplace tools, which can produce model or third‑party materials that differ from actual client account performance and are disclosed as part of its service model.